skuldsättares
Skuldsättares is a Swedish term that translates to "debt setter" or "debt maker." It refers to an individual or entity that is responsible for incurring or creating debt. This can encompass a wide range of scenarios, from personal borrowing to corporate financing and government borrowing.
In a personal context, a skuldsättare is someone who takes out loans, uses credit cards, or otherwise
On a larger scale, companies and governments are also often referred to as skuldsättare when they issue
The term can sometimes carry a slightly negative connotation, implying that the debt incurred might be excessive